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Editor's Note: As an industry, we have really only reached the tip of the iceberg as it relates to digital banking. FinTech companies have the advantage when it comes to being nimble and providing the services that users want/need. In the eyes of many financial institutions, that same nimbleness can also make them risky. However, if financial institutions want to keep up and not risk commoditization and/or consolidation, they are going to have to partner with these digital banking companies.